HSBC TravelOne Credit Card

Accelerate your travel rewards with HSBC TravelOne Credit Card

5.0

Network: Mastercard | Type: Travel and Rewards | Reward: Reward Points

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Fees Review Rewards Benefits Why We Like Pros/Cons Eligibility FAQs Reviews

Fees & Charges

Joining Fee: ₹4,999 + GST
Annual Fee: ₹4,999 + GST
Waiver: Annual fee waived on spending ₹8,00,000 in a year
Foreign Markup: 3.5% + GST
Fuel Surcharge: Not specified
Redemption Fee: Not specified
Late Payment Fee: ₹250–₹1,200 based on outstanding balance
Interest Rate: 3.75% per month (45% per annum)
Cash Advance: 2.5% of the amount withdrawn or ₹500, whichever is higher

Credofly Review

With its focus on travel rewards and lifestyle benefits, the HSBC TravelOne Credit Card stands out as a strong contender in the premium travel card segment. The accelerated reward points on travel spends, coupled with seamless redemption options and exclusive privileges, make it an attractive option for frequent travelers.

Rewards & Earnings

4 Reward Points per ₹100 spent on flights, travel aggregators, and foreign currency transactions (capped at 50,000 Reward Points per month)
2 Reward Points per ₹100 on all other spends
1:1 conversion of Reward Points to air miles or hotel loyalty points with partners like Air India, British Airways, Etihad, Singapore Airlines, Marriott Bonvoy, Accor, and more

Redemption Options:

Redeem Reward Points for:

Air miles with leading airlines
Hotel loyalty points
Gift vouchers across various categories

Benefits

Welcome:
₹1,000 cashback on spending ₹10,000 within the first 30 days ₹3,000 Postcard Hotel voucher 3 months EazyDiner Prime Membership 3,000 bonus Reward Points on spending ₹1,00,000 in the first 90 days
Milestone:
- 10,000 bonus Reward Points on annual spends exceeding ₹12,00,000
- Annual fee waiver on spending ₹8,00,000 in a year
Renewal:
Annual fee waiver on spending ₹8,00,000 in a year
Lifestyle:
movie, lounge international, lounge domestic, golf benefits

Why We Like It

The HSBC TravelOne Credit Card offers a robust rewards program for travelers, with accelerated points on travel spends, seamless redemption options, and exclusive lifestyle benefits, making it a compelling choice for frequent flyers.

Pros & Cons

✅ Pros

Accelerated reward points on travel-related spends
Seamless redemption options with leading airline and hotel partners
Exclusive lifestyle benefits including lounge access and golf privileges

❌ Cons

High annual fee of ₹4,999 + GST
Reward points capped at 50,000 per month for accelerated categories
Limited reward points on non-travel spends

Eligibility & Application

Eligibility:

Age: 18–65 years
Minimum annual income: ₹4,00,000 for salaried individuals
Resident of select Indian cities including Bengaluru, Mumbai, Delhi NCR, Chennai, Hyderabad, Pune, Noida, and others

How to Apply:

Apply online via Credofly in just 2 minutes:

👉 Apply Now via Credofly

Complete the form, upload documents, and finish Video KYC. Your card will be approved and delivered within 5–7 business days.

FAQs

What is the HSBC TravelOne Credit Card?

It’s a travel-focused credit card launched by HSBC India, offering reward points, lounge access, and travel-related discounts, aimed at frequent travelers.

Who is eligible to apply?

Applicants must be 18–65 years old, have a minimum annual income of ₹4 lakh (salaried preferred), and reside in select cities like Mumbai, Delhi NCR, Bangalore, Hyderabad, Pune, Chennai, Kolkata, or Ahmedabad. Existing HSBC customers may have an easier approval process.

What are the fees?

Joining Fee: ₹4,999 + GST (around ₹5,898).
Annual Fee: ₹4,999 + GST, waived if you spend ₹8 lakh in a membership year.

How do I earn reward points?

4 points per ₹100 on flights, travel aggregators (e.g., Yatra, MakeMyTrip), and foreign currency spends (capped at 50,000 points/month).
2 points per ₹100 on all other spends (no cap).
10,000 bonus points for annual spends above ₹12 lakh.

How can I redeem my reward points?

Redeem instantly via the HSBC India Mobile Banking app for air miles or hotel points with partners like Air India, Singapore Airlines, Etihad, Marriott, IHG, and more. Most conversions are 1:1, but some (e.g., Air Asia 1:3, Shangri-La 5:1) vary.

How long are reward points valid?

Points expire 3 years from the end of the month they were earned.

What are the welcome benefits?

Spend ₹10,000 within 30 days of issuance to get:
- ₹1,000 cashback.
- ₹3,000 PostCard Hotels voucher (for hotel stays only).
- 3-month EazyDiner Prime Membership.
Spend ₹1 lakh within 90 days for 3,000 bonus points.
Offers valid for applications between December 1, 2024, and December 31, 2025.

What travel benefits does the card offer?

6 domestic and 4 international lounge visits per year via Mastercard Travel Pass.
Up to 15% off on travel aggregator bookings (e.g., Yatra, EaseMyTrip) with caps and validity until December 2025/2026.
20% off duty-free shopping via AdaniOne (up to ₹3,000, once yearly, min. ₹8,000 spend).

Can I use the card internationally?

Yes, it’s widely accepted worldwide via the Mastercard network, with accelerated rewards (4 points/₹100) on foreign currency spends.

Are there any spending caps on rewards?

Yes, the 4x points category (travel and forex) is capped at 50,000 points per month. The 2x points category (other spends) has no cap.

What happens if I don’t meet the annual fee waiver threshold?

If you spend less than ₹8 lakh in a year, the annual fee of ₹4,999 + GST will be charged.

Can I get lounge access for a guest?

Lounge visits are tied to the cardholder; guest access depends on lounge policies and may incur additional charges unless specified by Mastercard Travel Pass.

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02/28/2025

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